needs Kasheesh
Table of Contents
- Introduction
- Is Using Two Credit Cards for Online Purchases Possible?
- What is a Split Payment?
- Why Aren't Split Payments Normally Offered Online?
- Are There Online Stores That Allow Split Payments?
- Conclusion
Introduction
When shopping online, we often encounter a variety of payment options. While most people use a single credit card for their purchases, there might be situations where you wonder if it's possible to use two credit cards to pay for one order. You want to minimize the spend on each of them and find it desirable to split the cost of your online transaction between multiple cards.
So is it possible to use two or more credit cards for online transactions? In this article we will answer that question, as well as explain what split payments are, and discuss the challenges and solutions associated with this method.
Is Using Two Credit Cards for Online Purchases Possible?
In general, most online retailers do not give customers the option to use two or more credit cards to pay for a single purchase. This limitation is primarily due to technical reasons within the payment processing systems. However, thanks to a new patent-pending innovation there is now a handy workaround to the problem.
The Workaround:
- Split payments between up to 5 cards with Kasheesh: Kasheesh is a patent-pending payment service that allows you to split any online purchase or payment across multiple cards, including debit, credit, and gift cards. Kasheesh is a trusted payment service partnered with big financial services such as Plaid and Stripe, and it can be used at any online retailer that accepts Mastercard (which is most of them!).
Learn more about how Kasheesh works here.
What is a Split Payment?
A split payment occurs when a single transaction is divided between two or more payment methods. This can include multiple credit cards, debit cards, gift cards, or a combination of these. Split payments are commonly used in physical retail environments but are less frequently supported on online retailers own checkout pages – however, as mentioned above, with the help of a service like Kasheesh it is now possible to split payments online as well.
Why Aren't Split Payments Normally Offered Online?
Split payments are not commonly accepted online due to several factors:
Technical Limitations & Operational Challenges:
- Complex Integration for Retailers: Online payment gateways and shopping cart systems need significant modifications to support multiple payment methods for a single transaction.
- Retailers Worry About Abandoned Carts: Splitting payments could slow down the checkout process if it hasn’t been set up previously, leading to a less streamlined customer experience, and offering multiple payment options could confuse customers, both which can potentially lead to abandoned carts and lost sales – something retailers generally tend to want to avoid.
Are There Online Stores That Allow Split Payments?
While it’s not the norm, some online retailers do offer some versions of split payment directly on their websites. These are usually larger retailers with more advanced payment systems. Examples include:
- Walmart: Allows the use of paying with multiple Walmart gift cards in addition to one credit card.
- Newegg: This electronics retailer allows customers to use multiple payment methods, including combinations of credit cards and gift cards.
- Amazon: Allows the use of paying with multiple Amazon gift cards in addition to one credit or debit card, but does not offer the option to split payment among multiple credit or debit cards.
If you want to split your payment across multiple of your debit cards, credit cards, and pre-paid VISA/Mastercard gift cards, the easiest way to do so is using Kasheesh which allows you to split any online payment across up to five cards, including on sites like Walmart, Amazon, Best Buy, and other big retailers. It even works for paying rent or other bills.
Conclusion
While the ability to use two or more credit cards directly on online retailers websites is limited, understanding split payments and exploring available options can help you navigate these restrictions. By leveraging available workarounds and payment services, you can effectively manage your online purchases even when a single credit card might not suffice or when you want to minimize the spend on each of your cards.
